Spencer Financial Planning, LLC fees and pricing
Financial planner in Cheney, Washington. Registered with state securities regulators.
According to its Form ADV Part 2A brochure dated March 31, 2026, Spencer Financial Planning, LLC charges a quarterly fee of $2,500-$8,500 and an annual fee of $10,000-$34,000 for financial planning.
Published fees
Quoted from the firm's Form ADV Part 2A brochure, filed March 31, 2026. Fees can change, so confirm with the firm before you hire them.
- Quarterly fee
- $2,500-$8,500/qtr
“Clients will also be assessed an annual fee ranging from $10,000 to $34,000, depending on certain factors as described below, or a quarterly fee ranging from $2,500 to $8,500.”
- Annual fee
- $10,000-$34,000/yr
From the same sentence as above.
Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)
How Spencer Financial Planning, LLC bills
Payment and refund terms, quoted from the fee section of the brochure.
- “All fees listed below are negotiable in certain cases and are paid as described below, directly by the client.”
- “Each time SFP bills for a payment, SFP will send the client a written invoice that includes the fee, the formula used to calculate the fee, the fee calculation itself, the time period covered by the fee, and the specific tasks SFP performed to earn its fees.”
- “Note that for fees paid by electronic funds transfer or credit card, SFP uses an independent 3rd party payment processor in which the client can securely input their financial institution information and pay their fee.”
How Spencer Financial Planning, LLC’s fees compare
- Its annual fee of $10,000-$34,000 is above the Washington median of $7,000. 95% of the 37 other Washington planners that publish an annual fee charge less.
About Spencer Financial Planning, LLC
“If a prospective client chooses to work with SFP, the parties will enter into a written financial planning and/or investment management agreement that describes the services to be performed and the cost of the services.”
- Principal: Keith Spencer
- Solo practice: one person runs the firm, so you work directly with the planner.
- Credentials named in the brochure: CFP®.
- Meets clients remotely: the brochure mentions virtual or online meetings.
- Registered as an adviser: 2020 (6 years).
Planning areas mentioned in the brochure
- Cash flow and budgeting
Firm details from Form ADV
- How the firm is paid
- Hourly fees, fixed or flat fees, percentage of assets under management
- Charges a % of assets
- Yes
- Highest asset based fee in brochure
- 2% a year
- Clients
- 27
- Employees
- 1
- Works with
- Individuals and high net worth individuals
- Services reported to regulators
- Financial planning, portfolio management for individuals and small businesses, and selecting other advisers
- Assets managed
- $18,875,438
- Registered with
- State securities regulators
- Disciplinary disclosures
- None reported
- SEC CRD number
- 306537
- Phone
- (509) 213-1826
Can advise clients in 2 states: California, Washington
Other planners in Cheney that publish fees
- Aspen Financial Management, Inc.Cheney$125/hr
- 2020 Financial Planning LLCSeattle$300/hr, $2,500
- A5 Financial LLCBothell$250/hr
- Abacus Financial PlanningKirkland$450/hr
- Adair Wealth ManagementBellevue$2,500
- Advisia Financial PlanningBellevue$350/hr, $2,800
Is something on this page wrong or out of date? Email corrections@plannerfees.com and PlannerFees will check it against the firm's latest filing.